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The Effect of Loan to Deposit Ratio and Non - Performing Loan on Return on Assets in State - Owned Banks Listed on The Indonesia Stock Exchange. JCMB [Internet]. 2026 Nov. 13 [cited 2026 Nov. 13];14(4):265-83. Available from: https://journal.adlermanurungpress.com/index.php/jpmp/article/view/98